The Interest rate is determined by Bread. Their decision is based upon your credit score and other criteria such as on-time payments. We are not aware of the terms made directly between you and them. They decide. You will be notified of the interest rate when you check out and you can then decide if you want to follow through with completing the purchase or not at that time.
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Financing
MagikFlame » Questions/answers » Payments » Financing » Who determines the interest rate?
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Who determines the interest rate?
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